PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Building Approval + Share of Freehold deed

Hi, 

In 2006 I did some big(ish) works in my leasehold flat (with the freeholder's informal permission). I've got two issues. 

1) having applied for building approval without finishing the process (planning permission wasn't necessary).
2) never changing the floors plan  in the share of freehold some years later.

My informal project manager advised me to apply for the building approval. A building officer came twice and said everything was fine and that I just needed the electrical certificate. The electrical works were done by a non-qualified builder and an electrician came to check, and approved. I did the most stupid thing nobody should do: I paid him before getting the certificate! And I didn't.
I don't think the electrical system strictly meet the official  regulations.

Another problem is that I never altered the floors plan in the 70's leasehold deed. And neither when I got a share of freehold.

What should I do if I want to sell? This is not a case of an "unofficial roof terrace" you see on some estate agents' adverts and I'm concerned.

Thanks for reading a very long thread!

Comments

  • eddddy
    eddddy Posts: 18,058 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Presumably you are still a joint freeholder (i.e. you still own a share of the freehold) - are you on good terms with the other joint freeholders?

    If so, all the joint freeholders can sign a "freeholders' consent for alterations" letter. That might be sufficient for most buyers. (Assuming that's what the lease requires.)

    But if a buyer really wants the official lease plan updated, then all the joint freeholders would need to sign a "deed of variation" - which might incur legal fees, etc.


    And the buyer could probably get indemnity insurance for lack of building regulations for work done in 2006, to satisfy their mortgage lender. (And maybe they'd want to get an electrician to check the electrics, and a surveyor to check the building alterations.)


  • cisko65
    cisko65 Posts: 340 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    eddddy said:

    Presumably you are still a joint freeholder (i.e. you still own a share of the freehold) - are you on good terms with the other joint freeholders?

    If so, all the joint freeholders can sign a "freeholders' consent for alterations" letter. That might be sufficient for most buyers. (Assuming that's what the lease requires.)

    But if a buyer really wants the official lease plan updated, then all the joint freeholders would need to sign a "deed of variation" - which might incur legal fees, etc.


    And the buyer could probably get indemnity insurance for lack of building regulations for work done in 2006, to satisfy their mortgage lender. (And maybe they'd want to get an electrician to check the electrics, and a surveyor to check the building alterations.)


    Thanks! I didn' know about the "freeholders' consent" potential option.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.